If you live in Kentucky, you know there are farms in just about every nook and cranny of the state. Kentucky Farm Bureau Insurance protects more than 65,000 of those farms. Our agents are hometown people delivering honest answers, good advice, and quality customer service from within your community. We have adjusters throughout Kentucky. When you file a claim, you can expect it to be handled quickly and efficiently.
Contact your local agent for more details about policy coverages and availability. No matter where you live in Kentucky, there's a local agent near you.
From poultry farms to peach farms, we've got you covered. Your local Kentucky Farm Bureau Insurance agent will help you select the protection that meets your needs. You can even tailor your policy to provide additional coverage to your dwelling, contents, farm equipment, and farm buildings.
- Personal property
- Additional living expense and loss of rents coverage
- Bodily injury
- Medical payments
- Property damage
- First aid expense
- Incidental farm business pursuit (i.e. roadside stands)
- Limited pollution
Coverage for your farm equipment and farm buildings
When you insure your farm equipment or farm buildings, some of the perils you receive protection from are:
- Fire and lightning
- Windstorm or hail
- Riot or civil commotion
- Vandalism and malicious mischief
- Glass breakage (farm building only)
- Falling objects
- Theft or attempted theft
- Overturn or collision (farm equipment only)
- Named persons medical
- Farm employee loss of wages
- Farm employee liability
Additional coverages available
- Water back-up and sump overflow
- Additional animal perils
- Farm equipment glass coverage
- Business pursuits
- All terrain vehicles
- Identity fraud expense
- Equine business liability
- Weight of ice, sleet, and snow
Kentucky Farm Bureau knows farms — and we understand how costly owning one can be. Check out a brief description of some of our discounts below. If you're interested in learning more, chat with your local agent for specific rules and eligibilities.
Active automobile policy discount
If you have an active automobile policy with us, you are qualified for up to a 20% reduction in your annual premium.
Dwelling age discount
If you live in a newly constructed home, you may be eligible for a discounted premium.
Protective devices discount
We'd be happy to reward you for safety enhancements made to your property, such as deadbolt locks, smoke alarms, fire extinguishers, security alarms systems, sprinkler systems, and more.
Dwelling roof discount
This discount applies when you have a newer roof on your home.
"Property Plus" discount
We love to reward good members! Claim-free members and/or those with a qualifying insurance score may be eligible for a discount.
Coverage availability is subject to eligibility and other qualifications. Please consult your policy for actual contract coverage and exclusions.
Kentucky Farm Bureau Insurance has been serving families of the Bluegrass since 1943. We are the largest property and casualty insurance company in Kentucky. We're located where our customers are — in each and every one of the 120 counties in the Commonwealth. Tired of dealing with a computer or answering service? We're hometown people ready to serve you on a personal basis.
Ward, the leading provider of benchmarking and best practices studies for the insurance industry, lists Kentucky Farm Bureau Mutual Insurance Company as one of the top 50 performing property/casualty companies in the industry. This award recognizes outstanding financial results in the areas of safety, consistency, and performance over the past five years. Kentucky Farm Bureau Insurance is also rated A (excellent), one of the highest ratings awarded by the A.M. Best Company, the most respected name in insurance rating services. In addition, we are currently rated an A+ with the Better Business Bureau (BBB). BBB ratings are based on 13 trust-related factors, including fair and appropriate handling of any customer complaints filed with BBB, business stability as represented by numerous years of business, and compliance with BBB’s Standards of Trust.
If you have experienced property damage or a loss, click here for instructions on what to do next.
Information that will help keep you and your loved ones safe and savvy – whether you’re on the road or in your old Kentucky home.
- After the storm: Important steps to protect your home following flood damage
If a flood has occurred in your local area, there are several steps you can take to begin a safe and effective recovery.
- Are you prepared for spring storm season?
The highest risk of severe thunderstorms and tornadoes in Kentucky typically occurs from March to June.